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Page 1 September 28, 1999 The Under Secretary of the Treasury Inonu Bulvari Emek-Ankara Republic of Turkey Re: TURKEY- Loan No. 3802-TU (Second Health Project) Amendment of the Loan Agreement Dear Sir: We refer to the Loan Agreement (Second Health Project) dated September 28, 1994 between the Republic of Turkey (the Borrower) and the International Bank for Reconstruction and Development (the Bank), as amended. Pursuant to your request dated September 13, 1999 to address the needs of the emergency created by the Marmara earthquake of August 1999, the Bank has agreed to amend the Loan Agreement further as follows: 1. Section 1.02 (c) is revised to read: "(c)